Credit Analyst

Key Accountabilities:

• Credit Analysis & Risk Management
  • Review credit applications, financial statements, trade references, and credit bureau reports.
  • Conduct financial and credit risk assessments for new and existing customers.
  • Research customer credit histories, payment trends, and industry risks.
  • Prepare credit recommendations and support management approval decisions.
  • Monitor customer credit profiles and identify emerging risks.
  • Assist with the establishment and ongoing review of customer credit limits.
  • Maintain compliance with company credit policies and risk management practices.
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  Customer Onboarding & Master Data Management
  
  
  • Set up new customers within ERP and related business systems.
  • Maintain accurate customer master data, including addresses, payment terms, tax status, organizational changes, and credit limits.
  • Ensure customer records are complete, accurate, and compliant with internal controls.
  • Support customer onboarding activities and approval workflows.
  • Identify opportunities to improve data quality and customer setup processes.
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  Cross-Functional Collaboration
  
  
  • Partner with Sales, Customer Service, Operations, and Finance to support customer onboarding and credit-related matters.
  • Assist with customer disputes and account resolution activities.
  • Provide management with meaningful insights and recommendations through reporting and analysis.
  • Support the development and enhancement of credit and customer onboarding policies and procedures.
  • Participate in ERP and process improvement initiatives related to Order-to-Cash operations.
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  Other Responsibilities
  
  The duties listed above represent the primary functions of this position. From time to time, the successful candidate may also be required to:
  • Monitor the firm's accounts receivable report and identify overdue accounts.
  • Send statement of account to customers.
  • Contact customers with overdue accounts and attempt to collect the overdue amount.
  • Help customers with any issues or concerns they might have regarding their account.
  • Maintain records of contacting customers with delinquent accounts and any customer/operations communications.
  • Ensure all customer contact information is correct in the system including names, emails and phone number.
  • Fill out customer forms that require payment and contact information.
  • Report on any customers with major disputes/issues that are refusing to pay to be reserved.
  • Review of past due accounts with AR Manager.
  • undefined
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  Qualifications
  
  
  
  Education & Experience
  
  
  • Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
  • 3-5 years of experience in Credit Analysis, Commercial Credit, Accounts Receivable, Financial Analysis, or a related finance function.
  • Experience analyzing financial statements and assessing customer creditworthiness.
  • Experience with borrowing base reporting, asset-based lending (ABL), cash forecasting, or treasury support is considered an asset.
  • Experience working within an ERP environment.
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  Skills & Competencies
  
  
  • Strong analytical and problem-solving abilities.
  • Solid understanding of financial statements and credit risk assessment.
  • Advanced Excel and reporting capabilities.
  • Excellent attention to detail and data accuracy.
  • Strong communication and relationship-building skills.
  • Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
  • Strong business acumen and sound judgment.